INVESTMENTS

Mutual Funds & ETFs

Mutual Funds & ETFs
Index & Active Funds
Morningstar Reports
Securities Brokerage

Investment Universe

20,000+ Funds & ETFs

We let you stay in control of all aspects of your fund selections and future changes. USA 401k is open-architecture which means that youhave access to most all funds & ETFs open to 401k investing.
20,000+ funds & 3,000+ ETFs, access to all mutual funds & ETFs available to a 401k
Vanguard: all funds open to 401k investing
index funds & actively managed funds
no limit on the # of investment slots in your 401k, changes at any time free of charge
top-shelf mutual fund families include: Vanguard, Fidelity, Charles Schwab, JP Morgan, Goldman Sachs, American Funds, T. Rowe Price, BlackRock & hundreds more!
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Environmental, Social, & Governance (ESG) funds are increasingly popular and here to stay. Empowering employees to align their investments with their values, ESG-themed investments are conveniently built into your investment menu with both indexed funds aswell as actively managed solutions.

Low Investment Expenses

Lower expenses equate to higher participant returns

Every mutual fund has a price tag and, apples-to-apples, the lower the expense, the higher the net return. Even small differences in fees from one fund to another can add up to substantial differences in your investment returns over time says the SEC.
USA 401k is designed with low fund expenses as our primaryfocus.

KEEPING EXPENSES IN CHECK …

Index funds in our menu have avery low average expense ratio of under .05%.

This average expense is subject to change and depends on the specific funds thatyou choose for your lineup.
When you consider the impact that expenses have on long-term returns, it’s easy to understand why the fund decisions are some ofthe most important within a 401k. We help you with research materials, giving you an in-depth view of the funds and the tools you need to make a careful evaluation of the investment lineup.

Institutional Shares

USA 401k automatically qualifies participants for institutional funds regardless of your plan size.

Institutional share class mutual funds are low-expense investments offered in this 401k. They are superior to other share classes because thelower expense ratios translate into higher returns.
One mutual fund will often offer alternate share classes available to investors, each with a differing expense. Institutional share classes asoffered in the 401k are most favored.
Gaining access to these lower-expense institutional share classes is a significant plus when comparing 401k providers.
USA 401k has a level program fee, experienced by participants, and detailed by the services agreement. There are no employer-related investment expenses.

Index & Active Funds

Much discussion surrounding fund selection has focused on the performance of index funds vs. active fund management results. While there are studies to support one tactic over the other, there will never be a definitiveanswer to which is effectively a better approach. Investors may be best served via a combination of both, so USA401k’s investment menu incorporates both strategies in a broadly diversified universe of mutual fund and ETF choices.

INDEX FUNDS

Index funds, AKA Passive funds, are constructed with the goal of tracking or replicating the performance of the underlying index such asthe S&P 500. Essentially, index funds are designed to mirror the performance of the respective index without entailing any active management, forecasting, or selection of underlying stocks.
MERITS
by tracking an index, an investment portfolio typically experiences fair diversification
they have lower trading costs than actively managed funds as they have low turnover of holdings
they don’t require an active manager
CONSIDERATIONS
index funds will never outperform the market
inability to move to cash in market contractions

ACTIVE FUNDS

Actively managed funds employ a portfolio investing strategy where the manager makes specific selections with the goal of out performingan investment benchmark index. Active management is the opposite ofpassive management, because in passive management the manager does not seek to out perform the benchmark index.
MERITS
there is the ability to react to market conditions and adjust ca portfolio accordingly
each manager will use their own stock selection skills in their endeavor to outperform
managers will buy targeted stocks when they believe the price is right
CONSIDERATIONS
higher trading costs than passive funds as they have a greater turnover of holdings
an actively managed fund could still underperform the market

In Summary

Investors can enjoy the benefits of dual approaches when both activeand passive funds have been included in the lineup. At times, active managers may outperform the benchmarks and capture some alpha in markets that tend to be less efficient while other times a passive fund willprovide steady returns with low expenses.
Either way, an open-architecture design is the most versatileinvestment structure for employers because it enables freedom of choice. USA 401k is an open-architecture design.
Past performance is not a guarantee nor indication of future returns. Investing involves riskand loss of principal is possible.

Morningstar Reports

Morningstar® is highly recognized industry-wide for independent evaluation, ratings, and tools to help your employees write their own financial future across an investing ecosystem.
With a powerful research database that includes mutual funds, stocks,and exchange-traded funds, Morningstar® is a convenient access for your employees within their 401k view. Free Morningstar® screenershelp individuals seeking a deeper perspective of funds comprising your investment menu.
Morningstar’s Principia® powerful research database is broadand extensive – a premier tool for our investment professionals tosupport your employees.
In times of heightened volatility, a professional advisory partner is essential to helping employers and employees build stronger retirement portfolios. Morningstar’s Principia® tool is extended to individuals who wish to conduct more advanced research and analysis,monitor portfolios, and evaluate new investment ideas. Our advisory team educates and guides you with suitable, diversified investment strategies, performing extensive searches and screening across multiple investment options.
All Morningstar® reports are included during your initial evaluation and upon subsequent investment reviews as apart of your 401k package. Your unique fund lineup is customized to your specific intentions and with free additions or changes at any time.
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Self-Directed Securities Brokerage

Brokerage Account Features
Via a brokerage firm that you select, eligible employees would haveaccess to a whole world of choices: stocks, bonds, CDs, ETFs, and anexpansive universe of mutual funds.
no asset fee
no advisory firm fee
routine trading fees apply per your brokerage firm’s schedule
a fee of $50 per participant per year applies only to persons who select the SDBA option
limitation on % of plan assets in SDBA, based on plan size

Participant Advantages

investment spectrum is extended to most individual securities
most all funds and ETFs open to 401k investing are also included
investment research tools are expanded as offered by the securities brokerage firm

Plan Sponsor Advantages

allows experienced investors to personalize by leveraging agreater variety of options
participants can manage their own investments and expenses viacombined selections
customization by either imposing limits on how much participants may allocate, or by the types of investments available

Considerations

SDBA requires a greater degree of prudence by the employer fiduciary considering the additional risk by participants holding individual securities
SDBA also requires more experience and investment education on the part of the employee in order to maneuver the dynamic nature of individual securities selecting and monitoring
Related, owning an individual stock or bond does not give the diversification of a mutual fund or ETF
SDBA is self-managed vs. having a professional management team for a fund or ETF
Let us know of your favorite brokerage firm. Theadministrator will do the rest with instructionsfor account setup to make it easy on your end.
A self-directed brokerage account enables a Plan Sponsor to deliver an extra level of diversification and personalization to participants but adds certain specific responsibilities and liabilities in the Fiduciary capacity. As with any retirement investment option, a SDBA should be carefully reviewed prior to its addition in the Plan. The Plan Sponsor should consider the pros and cons, associated trading fees, and participants’ educational needs accompanying the addition of a SDBA.
Not all investment types are available in a self-directed brokerage account, includingbut not limited to: options, purchases on margin, short sales, commodities, outrightprecious metals, collectibles, futures, currencies, and penny stocks.

Ready to get started?

Contact Us Today
Calls only (610) 804 9877

USA 401k offers full-service,customizable plans designed for small to mid-sized businesses.

Securities and investment advisory services offered through qualified Registered Representatives of MML Investors Services, LLC. Member SIPC® and a subsidiary of MassMutual. Supervisory Office:Vista Wealth Strategies 201 King of Prussia Road Radnor, PA 19087. Tel: (610) 766 3000. Neither USA 401k nor Retirement Designs are subsidiaries or affiliates of MML Investors Services, LLC. or its affiliatedcompanies. Administration and record keeping provided through Vestwell. Vestwell is not an affiliate or subsidiary of MML Investors Services, LLC or its affiliated companies. CRN202807-8778806

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